never use cheque.. all by cash..

cheque takes time to process and takes 3 working days to clear

the fastest i encounter took me 1 working day to clear

most of the time i took 100 notes with me.. 200k is not a big deal putting all in a laptop bag.

my friends .... they put 10-50k in their car most of the time for emergency use... so really no big deal la..

dun tink 50k can get 4.4% 12m.   

U are not just HNWI, but ultra HNWI !   

https://en.wikipedia.org/wiki/Ultra_high-ne...orth_individual

But unfortunately we will be losing u to another country soon !   

Less info on nego with major banks !             

OPR stayed !   

http://www.bnm.gov.my/index.php?ch=en_pres...ac=3402&lang=en

If by Star newspaper, some analyst said other wise. 

Glad that it stayed !   

Ya, see the wiliam's post above.

We can all be analyst betting BNM's move. 

This reminds me to call MBB. They confirmed that for 7th month, I still get 4%.  They said will ask their IT to fix it, if not will need to manually key in the extra interest to me.  This type of problem also can exist in MBB. 

I think more likely to be system/configuration error by the teller as they are new to this GIA-i thingy.

But customers need to check the interest given by banks for this type of special cases, step-up, bonus interest etc. Sadly, not everyone doing that (for special FD as said above)and letting banks do the calculation. 

OPR is maintained, hoping for the return of 4.5% p.a

Was planning to withdraw my FD from Affin Bank and park it under Maybank today, however the counter lady told me they introduced new rate last Friday. 4.5% for 12 months. Renewed my FD with them and got that rate.

The higher rates may be true but sometimes not offer to the public.

Sometimes some bank officers might call the FD owner to renew it at higher rate.
(Keep money within their bank, instead of FD owner put into other bank)

I've received a call like that b4 but no time go to the bank meet the officer.
(In the end renew lower FD rate in other bank      )

Then eXau5t should clarify. His was a sweeping statement, which doesn't benefit the community in here. At least that's what I think. Otherwise, any Tom Dick & Harry just come in and say, "Went to XYZ bank, and was offered 4.6%". Then full stop. Like, what?

At least mention that perhaps, he was offered because his sum was big enough to be offered such rate. Or which bank branch that offered this rate.

Yes, many in here is greedy for 4.5% 
Many branches do. They discriminate based on how much you are bringing in to the deposit. 

Luckily, I still have AmBank 2 and 3 yrs 4.6 and 4.5% still running. Even AmBank 5 yrs 4.55% still running. 

Please note above is talking about 2015 AmBank FD promo's. All FD promo already over/expired ! Please don't ask about it ! 

Affin bank 4.5% 1yr
Minimum 10 k
Selected branches
I just bank in Affin Bangsar
Fresh fund

Islamic or conventional? Need to know for PIDM allocation purpose